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Home loans

Home loans for every need with tools,
calculators and guides to help you choose.

Tools & Calculators
First home buyer
Investment Loans
Home Loan Key Facts Sheet

Simple Home Loan
Owner Occupied

5.44
%
variable
interest
rate1
PA
5.46
%
comparison
rate2
PA

Wanting to keep it simple? Low rate. No ongoing fees. Just repayments.

  • No account keeping or annual fees
  • Variable rate loan
  • Available for Owner Occupied loans
  • Make unlimited additional repayments with no penalties
  • Easy repayment options to choose your method or set up salary deductions
Find out more
Apply online Book appointment

First Home
Buyer Loan

5.60
%
variable
interest
rate1
PA
5.98
%
comparison
rate2
PA

Our First Home Buyer Loan is designed to help first home buyers get into the market to purchase their first home and start to pay off their new home loan as quickly as possible!

Discount of 0.50%1 for the first 3 years of your loan

Offset facility available

Fee free redraw facility

No account keeping or annual fees

Variable rate loan

Available for First Home Buyers purchasing an Owner Occupied home

Make unlimited additional repayments with no penalties

Easy repayment options to choose your method or set up salary deductions

Find out more
Apply online Book appointment

Intelligent
Mortgage Variable

6.10
%
variable
interest
rate1
PA
6.12
%
comparison
rate2
PA

If you’re looking to fund your next home purchase, or simply refinance your existing loan for a better deal, then look no further than LCU’s Intelligent Mortgage Variable.

Offset facility available

Fee free redraw facility

No account keeping or annual fees

Variable rate loan

Make unlimited additional repayments with no penalties

Easy repayment options to choose your method or set up salary deductions

 

Find out more
Apply online Book appointment

Intelligent
Mortgage Fixed

1 Year Fixed

6.10
%
fixed
interest
rate1
PA
6.12
%
comparison
rate2
PA

2 Year Fixed

6.10
%
fixed
interest
rate1
PA
6.12
%
comparison
rate2
PA

Lock in one of our competitive interest rates for 1 or 2 years. This option gives you security knowing the rates won’t change during the locked period.

Fee free redraw facility

No account keeping or annual fees

Fixed rate loan

Easy repayment options to choose your method or set up salary deductions

 

Find out more
Apply online Book appointment

Bridging Loan

7.49
%
variable
interest
rate1
PA
7.51
%
comparison
rate2
PA

Bridging loans will financially assist you when buying a new property while the sale of your existing home has not been finalised. LCU offers a 1 year interest only bridging loan to assist you during this process.

Fee free redraw facility

No account keeping or annual fees

Variable rate loan

Easy repayment options to choose your method or set up salary deductions

 

Find out more
Apply online Book appointment

Home Renovation
Loan

10.85
%
variable
interest
rate1
PA
11.14
%
comparison
rate2
PA

If you are a property owner or have your current home loan with LCU and you are looking to renovate your home, the LCU Home Renovation Personal Loan might be just what you’re looking for.

Fee free redraw facility

No account keeping or annual fees

Make unlimited additional repayments with no penalties

Variable rate loan

Easy repayment options to choose your method or set up salary deductions

Great for making those big purchases for your home

Find out more
Apply online Book appointment
Apply now

How do I apply?

Applying is simple! At LCU you have the flexibility to apply whenever and wherever you want to.

Apply for a Home Loan Apply online now
Get in touch with our team Call us
Email your enquiry to our team Email us
Visit us at our branch Our Location
Things you should know

1 Rates are subject to change. Please refer to our rates and fees page. Credit eligibility criteria, terms & conditions, fees & charges apply.
2 Comparison rate based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Please view the Target Market determination form here